Medicare supplement insurance, often referred to as Medigap, plays a crucial role in helping seniors cover costs not fully addressed by Medicare. This industry includes a range of private companies that provide coverage for gaps in routine health care expenses, such as deductibles and copayments. Many firms focus on simplifying the buying process for seniors, offering tailored options that meet specific healthcare needs. Trends indicate a growing demand for digital solutions and personalized customer experiences as the senior population in Michigan continues to rise, creating opportunities for innovation in service delivery.


The companies featured here vary in size from small agencies to larger firms, all based in Michigan. They range from relatively new beginnings in 2012 with American Health Plans to those with decades of experience, like Farm Bureau Insurance, founded in 1949. Each organization specializes in Medicare supplement products tailored for seniors, providing essential support and coverage options. Their combined efforts highlight a significant commitment to meeting the healthcare needs of Michiganders, positioning them as essential resources in the insurance landscape.


Read on to discover more about Michigan's top Medicare supplement insurance companies.


Top 19 Medicare Supplement Insurance Companies in Michigan


1. Health Alliance Plan

  • Website: hap.org
  • Ownership type: Private
  • Headquarters: Detroit, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2016
  • Founded year: 1960
  • Headcount: 501-1000
  • LinkedIn: health-alliance-plan

Health Alliance Plan (HAP) is a private health insurance provider based in Detroit, Michigan, founded in 1960. The company specializes in a variety of health insurance products, prominently featuring Medicare Advantage and Medicare Supplement plans. HAP serves both individual consumers and businesses, aiming to provide essential health coverage and resources that help manage healthcare costs effectively. With a workforce of over 1,000 employees, HAP is dedicated to enhancing the health and well-being of its members through comprehensive health programs and member resources. Their commitment to Medicare is evident in their extensive range of plans, which include options for prescription drug coverage and supplemental benefits. HAP's focus on the senior demographic positions it as a relevant player in the Medicare insurance market, particularly within Michigan.


2. American Health Plans

  • Website: americanhealthplansinsurance.com
  • Ownership type: Corporate
  • Headquarters: Clinton, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: November 2022
  • Founded year: 2013
  • Headcount: 11-50
  • LinkedIn: ahpins

American Health Plans, based in Clinton, Michigan, is a health insurance provider that has been operational since 2013. The company is dedicated to offering affordable health insurance solutions tailored for individuals, families, and small businesses. Their product offerings include major medical insurance, short-term plans, and supplemental insurance, which encompasses Medicare Supplement options. American Health Plans prides itself on delivering excellent customer service and simplifying the insurance process for clients. They are contracted with various major insurance companies, allowing them to assist clients in finding suitable plans. The company has a strong emphasis on accessibility and affordability, aiming to meet the healthcare needs of their clients efficiently.


3. Modern District Financial

  • Website: moderndistrict.com
  • Ownership type: Corporate
  • Headquarters: Traverse City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: October 2021
  • Founded year: 2011
  • Headcount: 1-10
  • LinkedIn: moderndistrict

Modern District Financial, based in Traverse City, Michigan, is an insurance agency that has been operational since 2011. The company specializes in financial services related to retirement planning and insurance coverage, with a strong emphasis on Medicare Supplement Insurance. They provide a range of products, including life insurance and annuities, catering primarily to individuals seeking to secure their financial future and manage healthcare expenses. The agency prides itself on offering personalized consultations to meet the unique needs of its clients. With a team that boasts over 60 years of combined experience in the industry, Modern District Financial aims to provide comprehensive solutions for retirement planning. Their partnership with Integrity Marketing Group enhances their market presence, allowing them to offer a wider array of insurance products. The firm is also recognized for its commitment to serving veterans through initiatives like The Hometown Hero Project, further solidifying its role in the community.


4. Diversity Insurance

  • Website: diversityins.com
  • Ownership type: Private
  • Headquarters: Saline, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2012
  • Headcount: 11-50
  • LinkedIn: diversity-insurance

Diversity Insurance Agency, founded in 2012 and based in Saline, Michigan, is an insurance brokerage that specializes in Medicare insurance services. The agency is dedicated to assisting individuals, particularly seniors, in navigating the complexities of Medicare options. They offer a range of services, including Medicare Advantage Plans, Supplement Insurance, and Prescription Drug Plans. The agency prides itself on its personalized support, with a team of licensed agents who have extensive experience in the field. Many of these agents have been helping Medicare members for over 45 years, providing a wealth of knowledge and expertise. Diversity Insurance is not affiliated with Medicare or any government program, which allows them to focus solely on the needs of their clients. Their commitment to training and support for agents ensures that clients receive informed and relevant advice tailored to their unique circumstances.


5. Farm Bureau Insurance of Michigan


Farm Bureau Insurance of Michigan, founded in 1949, operates as a private insurance provider based in Lansing, Michigan. The company is part of the Michigan Farm Bureau Family of Companies and offers a wide array of insurance products, including auto, home, life, health, business, and farm insurance. Notably, they provide Medicare Supplement Plans, catering to the healthcare needs of seniors. Their commitment to serving individuals, families, and businesses reflects a focus on delivering comprehensive insurance solutions. With over 1,300 employees, the company emphasizes customer service and community involvement, particularly in supporting Michigan's agricultural sector. They aim to provide peace of mind through their insurance offerings, which are tailored to meet the specific needs of their clients.


6. MMI Financial Group, Inc.

  • Website: mmifinancialgroup.com
  • Ownership type: Private
  • Headquarters: Owosso, Michigan, United States (USA)
  • Employee distribution: United States (USA) 68%, Ghana 32%
  • Founded year: 1989
  • Headcount: 1-10
  • LinkedIn: mmi-financial-group-inc.

MMI Financial Group, Inc., founded in 1989 and based in Owosso, Michigan, is a private financial services firm that offers a range of insurance and financial planning services. The company primarily serves individuals, families, and small businesses in Michigan, emphasizing personalized service to help clients secure their financial futures. As a licensed independent insurance agency, MMI Financial Group focuses on health insurance, including Medicare supplement plans, and has a dedicated Medicare Specialist to assist senior clients. Their approach is characterized by a commitment to understanding the unique healthcare delivery systems in their region, ensuring that clients are matched with the right insurance products that align with their healthcare needs. MMI Financial Group also provides various financial services, including retirement planning and portfolio management, further solidifying their role in the financial and insurance sectors.


7. United Insurance Group Agency, Inc.


United Insurance Group Agency, Inc. (UIG) is an insurance brokerage based in Milford Charter Township, Michigan, founded in 1983. The company specializes in a wide array of senior insurance products, particularly Medicare Advantage and Medicare Supplement plans. UIG operates as a support system for independent agents and agencies, providing essential marketing resources, lead generation services, and training to help them effectively serve their clients in the senior market. With a workforce of approximately 184 employees, UIG has established a significant presence across the United States, catering to the growing needs of seniors. The company has partnered with over 200 carriers, ensuring a broad selection of plans tailored to meet the unique needs of their clients. UIG's parent organization, LTC Global, enhances its capabilities by providing financial resources and strategic management to support agents in the long-term care insurance sector. This combination of experience, product offerings, and agent support underscores UIG's role in the Medicare supplement insurance industry.


8. National Benefit Plans

  • Website: nbplans.com
  • Ownership type: Private
  • Headquarters: Troy, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1998
  • Headcount: 51-200
  • LinkedIn: national-benefit-plans

National Benefit Plans, Inc. (NBP) is a health insurance brokerage based in Troy, Michigan, founded in 1998. With a workforce of around 41 employees, NBP has carved out a niche in the insurance market by offering a range of products, including individual and group health insurance, life insurance, and notably, Medicare supplements. The company prides itself on its personalized service, leveraging over 30 years of industry experience to assist individuals, families, and small businesses in finding suitable coverage. NBP collaborates with top-rated insurance carriers to provide clients with a variety of options tailored to their needs. Their agents are spread throughout the United States, ensuring that they can cater to a wide audience. NBP also emphasizes community involvement, with staff participating in local initiatives and volunteer work, reflecting their commitment to service beyond just insurance sales.


9. National Health Plans & Benefits Agency

  • Website: nhpba.com
  • Ownership type: Corporate
  • Headquarters: Fraser, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: August 2022
  • Founded year: 2012
  • Headcount: 51-200
  • LinkedIn: national-health-plans-benefits-agency

National Health Plans & Benefits Agency (NHPBA), based in Fraser, Michigan, is a corporate entity founded in 2012. The company specializes in health insurance, providing a variety of products that include HealthShare, Supplemental Health, Medicare, and Life Insurance. NHPBA aims to serve individuals and families seeking comprehensive health coverage. They also focus on empowering agents by providing them with the necessary tools and support to effectively sell their products. With a workforce of approximately 51-200 employees, NHPBA has positioned itself as a partner for agents and agencies, offering competitive commission structures and training programs. Their involvement in the Medicare sector is notable, as they provide options that cater to the needs of seniors, helping them navigate the complexities of Medicare coverage. NHPBA operates under the brand of BRP Insurance LLC, which adds a layer of corporate backing to their offerings.


10. Michigan Planners

  • Website: miplanners.com
  • Ownership type: Family Owned
  • Headquarters: Washington, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1962
  • Headcount: 11-50
  • LinkedIn: michigan-planners-inc-

Michigan Planners, based in Washington, Michigan, is a family-owned insurance agency that has been serving clients since 1962. With a team of approximately 45 employees, the company specializes in providing a wide array of insurance services, including health insurance, retirement planning, and life insurance. They cater to both businesses and individuals, helping clients navigate the complexities of healthcare coverage and retirement readiness. Notably, Michigan Planners operates a 'MI Medicare Store,' which indicates their involvement in Medicare services, assisting clients aged 65 and older with their healthcare needs. The agency emphasizes personalized service and has built a reputation for strong customer support, as evidenced by positive testimonials from various clients. Their commitment to education and compliance in the insurance sector further enhances their standing in the industry.


11. Ford Insurance Agency

  • Website: fordinsurance.net
  • Ownership type: Family Owned
  • Headquarters: Traverse City, Michigan, United States (USA)
  • Employee distribution: United States (USA) 91%, India 9%
  • Founded year: 1982
  • Headcount: 11-50
  • LinkedIn: ford-insurance-agency

Ford Insurance Agency, based in Traverse City, Michigan, has been serving the insurance needs of individuals and businesses since 1982. As a family-owned agency, it prides itself on providing tailored insurance solutions that include personal, business, life, and health insurance. The agency employs a knowledgeable team that works closely with clients to navigate the complexities of insurance, ensuring they receive comprehensive coverage at competitive prices. Ford Insurance Agency is recognized as a Trusted Choice® Independent Insurance Agent, allowing them to source options from various reputable carriers. Their commitment to community service and customer satisfaction is evident in their long-standing presence in the region and their focus on building relationships with clients. They also offer Medicare and health supplement insurance, indicating their involvement in the health insurance sector, although their primary offerings span a wider array of insurance products.


12. Mason Insurance Agency, Inc


Mason Insurance Agency, Inc., established in 1946, is a private insurance agency located in Mason, Michigan. With a team of 11 to 50 employees, the agency serves both individual consumers and businesses, providing essential coverage to mitigate financial risks. Their offerings include auto, home, life, health, and Medicare supplement insurance, among others. As an independent agency, Mason Insurance connects clients with over 15 different insurance providers, allowing them to find competitive rates and suitable coverage options. Their long-standing presence in the industry and commitment to customer service have made them a trusted choice for residents in the Mason and Greater Lansing area.


13. Farm Bureau

  • Website: farmbureauinsurance-mi.com
  • Ownership type: Private
  • Headquarters: Coldwater, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1949
  • Headcount: 201-500
  • LinkedIn: farm-bureau

Farm Bureau, officially known as the Michigan Farm Bureau Family of Companies, was founded in 1949 and is headquartered in Coldwater, Michigan. This private insurance company employs approximately 427 individuals and provides a wide array of insurance products. Their offerings include auto, home, life, health, business, and farm insurance. Notably, they have a dedicated section for Medicare Plans and Medicare Supplement Plans, which highlights their commitment to serving the healthcare needs of seniors. The company emphasizes its role in supporting Michigan's agricultural community while also catering to individual and family insurance needs. Their website features resources and forms related to Medicare Supplement Plans, showcasing their engagement in this specific market.


14. Cornerstone Benefits & Insurance


Cornerstone Benefits & Insurance, based in Troy, Michigan, has been operational since 1981. This private insurance agency specializes in health insurance and benefits services tailored for individuals, families, and businesses. Their offerings include benefits administration, compliance with healthcare regulations, and various insurance products such as medical, dental, and travel insurance. Notably, they provide Medicare options, assisting clients in navigating the complexities of health coverage. The firm prides itself on leveraging technology to enhance its service delivery, positioning itself as one of the more technologically advanced insurance firms in the industry. Cornerstone's focus on compliance and cost containment reflects their commitment to helping clients manage their health insurance needs effectively.


15. Hoover & Associates Financial Services, Inc.


Hoover & Associates Financial Services, Inc., based in Royal Oak, Michigan, has been operational since 1988. This private financial services firm specializes in wealth management, retirement planning, and various insurance solutions. They cater to both businesses and individual consumers, providing tailored financial advice to help clients achieve their financial goals. Their service offerings include investment management, employee benefits consulting, and a range of insurance products. Notably, they have a dedicated focus on Medicare Supplement plans, guiding clients through the Medicare enrollment process and helping them select appropriate coverage. Their team comprises experienced professionals who emphasize building long-term relationships with clients, ensuring that they understand their unique financial situations and goals. Hoover & Associates serves clients across multiple states, including Michigan, Florida, Illinois, Kentucky, Maryland, Missouri, Pennsylvania, and Tennessee, demonstrating their regional reach and commitment to client service.


16. AIP Marketing Alliance (AIPMA)

  • Website: aipma.com
  • Ownership type: Private
  • Headquarters: Troy, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 11-50
  • LinkedIn: aip-marketing-alliance

AIP Marketing Alliance (AIPMA), based in Troy, Michigan, has been operational since 1981. This private company specializes in insurance distribution, providing a range of products that include life insurance, annuities, and Medicare supplements. AIPMA serves as a vital resource for independent wholesalers and agents, offering access to over 70 top-rated insurance carriers. Their services extend beyond mere distribution; they provide comprehensive support through technology, training platforms, and marketing resources aimed at enhancing the capabilities of their clients. AIPMA's commitment to community involvement is evident through their charitable activities in Michigan, reflecting a culture that values both business growth and social responsibility.


17. Altruis Benefit Consulting

  • Website: altruisbenefit.com
  • Ownership type: Private
  • Headquarters: Bingham Farms, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2002
  • Headcount: 11-50
  • LinkedIn: altruisbenefitconsulting

Altruis Benefit Consulting, founded in 2002 and based in Bingham Farms, Michigan, is a private consulting firm specializing in employee benefits and insurance solutions. With a team of 11 to 50 employees, they cater to both businesses and individuals, providing guidance on navigating the complexities of various insurance options. Their offerings include health and life insurance, Medicare services, and supplemental insurance. Altruis prides itself on building relationships based on trust and integrity, emphasizing their role as objective educators in the field of benefit consulting. They aim to empower clients by presenting options and educating them on the differences, particularly in the Medicare sector, where they have licensed specialists to assist clients in understanding their choices. This focus on client education and support underscores their commitment to serving the insurance needs of their clientele.


18. ADN Administrators

  • Website: adnadmin.com
  • Ownership type: Private
  • Headquarters: Southfield, Michigan, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1995
  • Headcount: 11-50
  • LinkedIn: adn-administrators

ADN Administrators, founded in 1995 and based in Southfield, Michigan, is a private company that specializes in employee benefits, particularly in dental plan administration and Medicare solutions. The company began by creating a local dental network for a school district and has since expanded its services to over 250 schools. ADN Administrators has developed a unique approach to assist municipalities and unions in providing enhanced retiree health care through their ADN Legacy Solutions, which utilizes partial self-funding of Medicare Advantage Plans. This innovative solution aims to reduce costs while improving benefits for retirees. Recently, they launched ADN Medicare Solutions, which helps retirees navigate their options and find the right Medicare plan tailored to their individual needs. Their focus on listening to client needs and creating tailored solutions positions them as a notable player in the employee benefits sector, particularly for retirees.


19. The Mary Stucko Agency, Farm Bureau Insurance


The Mary Stucko Agency, part of the Michigan Farm Bureau Family of Companies, is an insurance provider based in Meridian Charter Township, Michigan. Founded in 2008, the agency focuses on delivering a wide array of insurance products tailored to the needs of individuals, families, businesses, and farmers. Their offerings include auto, home, life, health, business, and farm insurance, with a particular emphasis on serving the agricultural community in Michigan. The agency is committed to providing essential coverage that helps manage risks and protect assets. Notably, they also provide Medicare Supplement Plans, indicating their involvement in the health insurance sector, particularly for seniors. However, their overall business model appears to prioritize a broader insurance portfolio rather than specializing solely in Medicare products.



Medicare Supplement Insurance Insights: Key Companies in Michigan


CompanyHeadquarterSizeFoundedOwnership
Health Alliance PlanDetroit, Michigan, United States (USA)501-10001960Private
American Health PlansClinton, Michigan, United States (USA)11-502013Corporate
Modern District FinancialTraverse City, Michigan, United States (USA)1-102011Corporate
Diversity InsuranceSaline, Michigan, United States (USA)11-502012Private
Farm Bureau Insurance of MichiganLansing, Michigan, United States (USA)1001-50001949Private
MMI Financial Group, Inc.Owosso, Michigan, United States (USA)1-101989Private
United Insurance Group Agency, Inc.Milford Charter Township, Michigan, United States (USA)51-2001983Private
National Benefit PlansTroy, Michigan, United States (USA)51-2001998Private
National Health Plans & Benefits AgencyFraser, Michigan, United States (USA)51-2002012Corporate
Michigan PlannersWashington, Michigan, United States (USA)11-501962Family Owned
Ford Insurance AgencyTraverse City, Michigan, United States (USA)11-501982Family Owned
Mason Insurance Agency, IncMason, Michigan, United States (USA)11-501946Private
Farm BureauColdwater, Michigan, United States (USA)201-5001949Private
Cornerstone Benefits & InsuranceTroy, Michigan, United States (USA)1-101981Private
Hoover & Associates Financial Services, Inc.Royal Oak, Michigan, United States (USA)11-501988Private
AIP Marketing Alliance (AIPMA)Troy, Michigan, United States (USA)11-501981Private
Altruis Benefit ConsultingBingham Farms, Michigan, United States (USA)11-502002Private
ADN AdministratorsSouthfield, Michigan, United States (USA)11-501995Private
The Mary Stucko Agency, Farm Bureau InsuranceMeridian Charter Township, Michigan, United States (USA)1-102008Private


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